Financial Question?
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Questions Straight.Finance will Answer
To maximize your experience, we assist with the following questions
RRSP or Mortgage?
Most of us have debt and most working adult Canadians will have RRSP and TFSA room. Some of us have group plans with matching contributions at work as well, just to complicate things. Making sure your cash flow is properly funneled is an important part of financial planning.
CPP Now or Later?
If you are 60 then you find yourself making the CPP decision. Do you start it now or defer the payments? Each person's situation is individualize and so is that answer. We can help you make that decision on when the best time for YOU to start your CPP is.
I want to buy an investment property, what do I need to know?
Buying your first investment property is a major investment and can be a lucrative one, but take it from the professionals that some precautions should be taken. Do your research, take your time, and ask lots of questions before buying your first investment property.
Should I take my pension or commute the value?
Pension or Commuted Value: If you are one of the lucky people with a pension plan you may be trying to decide whether to take the pension or the commuted value. While there are numbers involved, the decision usually incorporates factors that can differ for each person. We can walk you through all those factors so you can make an informed, and appropriate decision for you and your family.
What can I do to increase my cash flow?
Your cash flow is the one of the most important factors in your financial life. Understanding your cash flow is all about knowing where your money comes from and where it’s going. Ideally, you have more money coming in than going out — but that’s not the reality for everyone. Learning how to increase cash flow can make a big difference as you work toward your financial goals. We can share with you some tips to increase your cash flow today!
Can I afford to Retire?
Nothing is more frustrating than trying to figure out how much to save for retirement. Planning for retirement and figuring out if you can afford it can be a total nightmare. We can help you figure out how much you will need and when you can have the retirement you desire.
Can I afford to Move?
Perhaps you’ve always wanted to live in the heart of your city, have a bigger house with a backyard, or live on your own, but there’s an important question to answer before making any changes: Can you actually afford to move? We can walk you through the questions you need to ask yourself in order to firmly make that decision.
I am thinking of leaving my spouse, what do I need to know financially?
Divorce is almost always painful. However, it can be a relatively easy process where both spouses desire an amicable parting, or it can be hell-on-earth where one or both spouses are out for blood. Sometimes, even the amicable ex can turn spiteful and downright nasty. Because you never really know what can happen, it’s vital to protect your money and assets from the potential ravages of divorce. We can help you prepare ahead of time if you think divorce is likely or if you already have plans to leave.
How do I find money for education?
For Adults and Kids? Post secondary education can be expensive, but the good news is that you don’t need to pay for it all up front. By doing your homework ahead of time you can plan how best to fund yours or your children’s college or university education. Maybe you want to go back to school? We can help you navigate the programs that are out there for yourself or your children to pay for education. From Registered Education Savings Plan’s, to student loans, to RRSP Lifetime Learning Bonds and many other ways. Get smart ideas on how you can pay for education!
When not to use Straight.Finance
We recognize that not all scenarios can be covered by our services. Below is a list questions that we do not cover in our consultations
I cannot answer questions about marriage
I cannot answer questions about specific stocks, or provide stock advice
I cannot provide advice on your home and auto insurance coverage
I cannot provide legal advice
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About Straight.Finance
Renee is the founder of Life Coach Financial Strategies, where she uses her two plus decades of experience in the financial industry, providing guidance on investments, insurance and financial success strategies. Renee has helped hundreds of people to organize their financial life and find their financial freedom, giving them peace of mind! Combining passion with financial education, she exerts considerable influence on the financial planning industry and helps her clients feel confident about the choices they make with their money!